UVE
Neutral signalScored 2026-09-15 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Universal Insurance Holdings, Inc.
- Nom
- Universal Insurance Holdings, Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NYSE
- Capitalisation
- $1.4B
- Employés
- 929
- PDG
- Stephen J. Donaghy
- Site web
- https://www.universalinsuranceholdings.com
- Marché
- ASICBHFBHRBBOWDGICAFMBH
Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages. It also advises on actuarial issues, oversees distribution, administers claims payments, performs policy administration and underwriting, and assists with reinsurance negotiations; evaluates insurance risk and exposures on an individual and portfolio basis and assists the insurance entities with pricing risks; places and manages its reinsurance programs; and operates its digital insurance agency, Clovered.com. It offers its products through its independent agency network, direct-to-consumer online distribution, and digital insurance agency platform. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings, Inc. was incorporated in 1990 and is headquartered in Fort Lauderdale, Florida.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 40 000 titres (~1 764 926,00 $ US)
- Insiders
- DOWNES SEAN P
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,764,926
Avg sell (VWAP, 90d window) $44.12 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-11
- Last synced
-
2026-09-17 09:54:31
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-11 | DOWNES SEAN P | Sell · S | 20,000 | $43.98 | $879,562 | Form 4 |
| 2026-08-05 | DOWNES SEAN P | Sell · S | 20,000 | $44.27 | $885,364 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-15 Drivers: fundamentals. Moteurs : fondamentaux.
UVE displays a genuine fundamental turnaround in 2025 with improved margins and a healthier balance sheet, but the strong financial score (85) is heavily offset by a weak catalyst score (20) driven by significant…
The first sentence of the analysis written for UVE on 2026-09-15 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.58 · operating margin 15% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 38.2% | 13.1% | 13.7% | 5.7% | 10.4% | |
| Ebit Margin | 15.6% | 5.9% | 6.8% | -1.7% | 2.6% | |
| Ebitda Margin | 16.1% | 6.3% | 7.3% | -1.1% | 3.2% | |
| Operating Profit Margin | 15.2% | 5.6% | 6.3% | -2.2% | 2.5% | |
| Pretax Profit Margin | 15.2% | 5.6% | 6.3% | -2.2% | 2.5% | |
| Continuous Operations Profit Margin | 11.5% | 3.9% | 4.8% | -1.8% | 1.8% | |
| Net Profit Margin | 11.5% | 3.9% | 4.8% | -1.8% | 1.8% | |
| Bottom Line Profit Margin | 11.5% | 3.9% | 4.8% | -1.8% | 1.8% | |
| Current Ratio | 0.578 | 2.536 | 1.111 | 1.052 | 1.184 | |
| Quick Ratio | 0.578 | 2.536 | 1.111 | 1.052 | 1.184 | |
| Solvency Ratio | 0.083 | 0.026 | 0.038 | -0.006 | 0.017 | |
| Cash Ratio | 0.190 | 0.409 | 0.221 | 0.159 | 0.165 | |
| Price To Earnings Ratio | 5.152 | 10.174 | 7.134 | -14.708 | 26.154 | |
| Price To Earnings Growth Ratio | 0.024 | -1.341 | -0.017 | 0.070 | 3.138 | |
| Forward Price To Earnings Growth Ratio | 0.024 | -1.341 | -0.017 | 0.070 | 3.138 | |
| Price To Earnings Diluted Ratio | 5.348 | 10.478 | 7.198 | -14.708 | 26.154 | |
| Price To Earnings Diluted Growth Ratio | 0.025 | -1.108 | -0.018 | 0.070 | 3.138 | |
| Price To Book Ratio | 1.708 | 1.608 | 1.397 | 1.131 | 1.235 | |
| Price To Sales Ratio | 0.590 | 0.395 | 0.343 | 0.266 | 0.473 | |
| Price To Free Cash Flow Ratio | 2.497 | 4.617 | 7.120 | 1.019 | 2.336 | |
| Price To Operating Cash Flow Ratio | 2.468 | 4.369 | 6.716 | 1.004 | 2.264 | |
| Debt To Assets Ratio | 0.035 | 0.036 | 0.050 | 0.036 | 0.063 | |
| Debt To Equity Ratio | 0.182 | 0.271 | 0.342 | 0.357 | 0.304 | |
| Debt To Capital Ratio | 0.154 | 0.213 | 0.255 | 0.263 | 0.233 | |
| Long Term Debt To Capital Ratio | 0.154 | 0.211 | 0.230 | 0.263 | 0.194 | |
| Financial Leverage Ratio | 5.153 | 7.614 | 6.788 | 10.039 | 4.785 | |
| Working Capital Turnover Ratio | 46.684 | 2.590 | 8.508 | 6.000 | 8.017 | |
| Operating Cash Flow Ratio | 0.178 | 0.216 | 0.039 | 0.133 | 0.154 | |
| Operating Cash Flow Sales Ratio | 0.239 | 0.090 | 0.051 | 0.265 | 0.209 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.988 | 0.946 | 0.943 | 0.985 | 0.969 | |
| Debt Service Coverage Ratio | 40.654 | 9.782 | 3.916 | -1.533 | 1.021 | |
| Interest Coverage Ratio | 50.304 | 14.669 | 15.172 | -4.613 | 48.820 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 93.377 | 4.862 | 0.000 | 8.759 | |
| Operating Cash Flow Coverage Ratio | 3.797 | 1.357 | 0.609 | 3.158 | 1.797 | |
| Capital Expenditure Coverage Ratio | 85.961 | 18.643 | 17.659 | 66.241 | 32.435 | |
| Dividend Paid And Capex Coverage Ratio | 14.335 | 4.626 | 2.599 | 11.314 | 7.458 | |
| Dividend Payout Ratio | 0.121 | 0.379 | 0.349 | -1.069 | 1.186 | |
| Enterprise Value Multiple | 2.467 | 4.580 | 1.931 | -2.828 | 11.436 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 38.2% | ▲25.1% | ▲22.0% |
| Ebit Margin | 15.6% | ▲9.7% | ▲9.8% |
| Ebitda Margin | 16.1% | ▲9.7% | ▲9.7% |
| Operating Profit Margin | 15.2% | ▲9.7% | ▲9.7% |
| Pretax Profit Margin | 15.2% | ▲9.7% | ▲9.7% |
| Continuous Operations Profit Margin | 11.5% | ▲7.6% | ▲7.4% |
| Net Profit Margin | 11.5% | ▲7.6% | ▲7.4% |
| Bottom Line Profit Margin | 11.5% | ▲7.6% | ▲7.4% |
| Current Ratio | 0.578 | ▼-1.958 | ▼-0.714 |
| Quick Ratio | 0.578 | ▼-1.958 | ▼-0.714 |
| Solvency Ratio | 0.083 | ▲0.057 | ▲0.051 |
| Cash Ratio | 0.191 | ▼-0.218 | ▼-0.038 |
| Price To Earnings Ratio | 5.152 | ▼-5.021 | ▼-1.629 |
| Price To Earnings Growth Ratio | 0.024 | ▲1.364 | ▼-0.351 |
| Forward Price To Earnings Growth Ratio | 0.024 | ▲1.364 | ▼-0.351 |
| Price To Earnings Diluted Ratio | 5.348 | ▼-5.130 | ▼-1.546 |
| Price To Earnings Diluted Growth Ratio | 0.025 | ▲1.133 | ▼-0.397 |
| Price To Book Ratio | 1.708 | ▲0.100 | ▲0.292 |
| Price To Sales Ratio | 0.590 | ▲0.195 | ▲0.177 |
| Price To Free Cash Flow Ratio | 2.497 | ▼-2.120 | ▼-1.021 |
| Price To Operating Cash Flow Ratio | 2.468 | ▼-1.902 | ▼-0.897 |
| Debt To Assets Ratio | 0.035 | ▼-0.000 | ▼-0.009 |
| Debt To Equity Ratio | 0.182 | ▼-0.089 | ▼-0.109 |
| Debt To Capital Ratio | 0.154 | ▼-0.059 | ▼-0.069 |
| Long Term Debt To Capital Ratio | 0.154 | ▼-0.057 | ▼-0.056 |
| Financial Leverage Ratio | 5.153 | ▼-2.460 | ▼-1.722 |
| Working Capital Turnover Ratio | 46.684 | ▲44.094 | ▲32.325 |
| Operating Cash Flow Ratio | 0.178 | ▼-0.039 | ▲0.034 |
| Operating Cash Flow Sales Ratio | 0.239 | ▲0.149 | ▲0.068 |
| Free Cash Flow Operating Cash Flow Ratio | 0.988 | ▲0.042 | ▲0.022 |
| Debt Service Coverage Ratio | 40.654 | ▲30.872 | ▲29.886 |
| Interest Coverage Ratio | 50.304 | ▲35.635 | ▲25.434 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-93.377 | ▼-21.400 |
| Operating Cash Flow Coverage Ratio | 3.797 | ▲2.440 | ▲1.653 |
| Capital Expenditure Coverage Ratio | 85.961 | ▲67.318 | ▲41.773 |
| Dividend Paid And Capex Coverage Ratio | 14.335 | ▲9.709 | ▲6.269 |
| Dividend Payout Ratio | 0.121 | ▼-0.258 | ▼-0.072 |
| Enterprise Value Multiple | 2.467 | ▼-2.113 | ▼-1.050 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $941.4M | $600.2M | $476.7M | $325.7M | $530.7M | |
| Enterprise value | $633.0M | $442.0M | $196.0M | $39.7M | $410.6M | |
| EV / Sales | 0.40x | 0.29x | 0.14x | 0.03x | 0.37x | |
| EV / Op. cash flow | 1.66x | 3.22x | 2.76x | 0.12x | 1.75x | |
| EV / Free cash flow | 1.68x | 3.40x | 2.93x | 0.12x | 1.81x | |
| EV / EBITDA | 2.47x | 4.58x | 1.93x | -2.83x | 11.44x | |
| Net debt / EBITDA | -1.20x | -1.64x | -2.77x | 20.36x | -3.34x | |
| Current ratio | 0.58x | 2.54x | 1.11x | 1.05x | 1.18x | |
| Income quality | 2.08x | 2.33x | 1.06x | -14.58x | 11.48x | |
| Graham number | $54 | $25 | $24 | — | $14 | |
| Graham net-net | -$53 | -$53 | -$10 | -$18 | -$4 | |
| Tax burden | 75.3% | 69.6% | 75.6% | 81.7% | 71.8% | |
| Interest burden | 97.4% | 93.6% | 93.8% | 127.7% | 98.0% | |
| Working capital | -$906.2M | $974.6M | $199.4M | $127.7M | $279.9M | |
| Invested capital | -$728.3M | $1.14B | $357.0M | $282.8M | $442.4M | |
| Return on assets | 6.4% | 2.1% | 2.9% | -0.8% | 1.0% | |
| Operating ROA | 8.6% | 3.3% | 3.4% | -1.1% | 1.5% | |
| Return on tangible assets | 6.7% | 2.2% | 3.0% | -0.8% | 1.0% | |
| Return on equity | 33.2% | 15.8% | 19.6% | -7.7% | 4.7% | |
| Return on invested capital | 26.4% | 5.5% | 12.5% | -5.0% | 3.6% | |
| Return on capital employed | 35.1% | 3.8% | 17.0% | -6.1% | 5.3% | |
| Earnings yield | 19.4% | 9.8% | 14.0% | -6.8% | 3.8% | |
| Free cash flow yield | 40.1% | 21.7% | 14.0% | 98.1% | 42.8% | |
| Capex / Op. cash flow | 1.2% | 5.4% | 5.7% | 1.5% | 3.1% | |
| Capex / Depreciation | 62.8% | 120.5% | 55.0% | 67.1% | 104.5% | |
| Capex / Sales | 0.3% | 0.5% | 0.3% | 0.4% | 0.6% | |
| SG&A / Sales | 0.0% | 7.1% | 6.9% | 7.4% | 7.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.5% | 0.5% | 0.2% | 0.4% | 0.5% | |
| Intangibles / Total assets | 4.5% | 4.3% | 4.7% | 3.6% | 5.3% | |
| Days sales outstanding | 71d | 169d | 78d | 263d | 87d | |
| Days payables outstanding | 95d | 61d | 58d | 122d | 68d | |
| Operating cycle | 71d | 169d | 78d | 263d | 87d | |
| Cash conversion cycle | -25d | 108d | 19d | 141d | 19d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-08 Is Universal Insurance Holdings (UVE) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-09-01 UVE''s Underwriting, Premium Growth and Diversification Boost Earnings Universal Insurance''s stronger underwriting, premium growth and geographic diversification are supporting earnings as Florida reforms improve results.
- 2026-08-29 Bank of America Corp DE Buys 45,224 Shares of Universal Insurance Holdings Inc $UVE Bank of America Corp DE increased its holdings in Universal Insurance Holdings Inc (NYSE: UVE) by 46.0% in the first quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 143,557 shares of the insurance provider''s stock after acquiring an additional 45,224 shares during the
- 2026-08-20 UVE Stock Gains 71.4% in a Year: Time to Add It for Better Returns? Universal Insurance''s disciplined underwriting, premium growth and improved Florida claims trends support profitability, while diversification strengthens its risk profile.
- 2026-08-20 Should Value Investors Buy Universal Insurance Holdings (UVE) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-08-17 Investor Insight: Universal Insurance Executive Chairman Sells 20,000 Shares for $885,400 Sean P. Downes reduced his direct holdings on the back of a strong rally over the last 12 months from the Universal Insurance stock price.
- 2026-08-10 Universal Insurance (NYSE:UVE) Chairman Sells $885,400.00 in Stock Universal Insurance Holdings Inc (NYSE: UVE - Get Free Report) Chairman Sean Downes sold 20,000 shares of the company''s stock in a transaction dated Wednesday, August 5th. The shares were sold at an average price of $44.27, for a total transaction of $885,400.00. Following the completion of the sale, the chairman directly owned 1,104,645 shares of
- 2026-08-08 Critical Survey: Universal Insurance (NYSE:UVE) versus Neptune Insurance (NYSE:NP) Neptune Insurance (NYSE: NP - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk. Insider and Institutional Ownership 66.6% of Universal Insurance
- 2026-08-03 Critical Contrast: Aviva (OTCMKTS:AVVIY) and Universal Insurance (NYSE:UVE) Aviva (OTCMKTS:AVVIY - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, earnings, risk, institutional ownership and valuation. Volatility and Risk Aviva has a beta of 0.84,
- 2026-07-29 Are You Looking for a Top Momentum Pick? Why Universal Insurance Holdings (UVE) is a Great Choice Does Universal Insurance Holdings (UVE) have what it takes to be a top stock pick for momentum investors? Let''s find out.